Question

13. Jocelyn gets a text alert from the bank that her account balance has dropped below $100 after a series of $20 ATM withdrawals. She has not used her ATM in over a week and wonders what she should do. What would you recommend?
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1 point
Wait until her monthly statement arrives so she can check to see if those withdrawals are still there
Wait a week as it is fairly common for the bank to catch mistakes like this
Check her wallet to be sure her debit card has not been stolen. If she still has it, then she should not worry.
Contact her bank immediately as it appears that her account may have been hacked

Answer 1

Contact her bank immediately as it appears her account may have been hacked.

Rationale and next steps (brief):
- Unauthorized ATM withdrawals are a strong sign of fraud. Call the bank using the number on the back of your card or the bank’s official website (not any link or phone number in a suspicious text).
- Ask the bank to block/close the compromised card, freeze the account, and start an investigation/dispute for the withdrawals.
- Check the physical card and ATM receipts; if you still have the card, mention that to the bank (cards can be cloned).
- Change online banking passwords/PINs, review all recent transactions, and monitor other accounts.
- If fraud is confirmed, consider filing a police report and reporting identity theft to your national consumer protection agency (e.g., FTC in the U.S.).